Category: Life Insurance

At Atlas Insurance Agency, we serve Southeast Michigan with many types of insurance. For example, we provide life insurance for many people, including those with pre-existing conditions. But how can these diseases impact your policy and its execution? Would you please read on to learn more about what kind of conditions may affect your policy and how you can prepare for this issue?

How Pre-Existing Conditions Affect Life Insurance 

If you have any health troubles before you get a life insurance policy, it is essential to let your policy provider know. They’ll adjust your policy accordingly or ask you to get a medical screening before giving you a policy. In addition, you may have some limitations on your policy, though this fact is rarer now than it was in the past. Just a few pre-existing conditions to watch for include: 

• Heart-related problems, like high cholesterol or blood pressure 
• Obesity as defined by your insurance provider 
• Specific mental health problems, like depression or anxiety 
• GERD or gastroesophageal reflux disease
• AIDS or other auto-immune conditions 
• Cancers of just about any type 

When buying your policy, you’ll have to understand that your pre-existing conditions may affect the length of your insurance term and much more. So make sure that you work directly with your provider to find the type of policy option that seems to make the most sense for your current health needs.

Getting a Policy You Can Trust 

If you have a pre-existing condition in Southeast Michigan and want a life insurance policy that makes sense for your needs, please reach out to us at Atlas Insurance Agency right away to learn more. Our team will sit down with you and figure out what kind of policy makes sense. And we’ll do what we can to adjust our coverage to suit your pre-existing conditions and their unique impact.

Atlas Insurance Agency serves Southeast Michigan with veritable insurance services for all aspects of life. Many people keep their property well insured but put off life insurance. If you have been on the fence about life insurance for you and your family members, here are a few frequently asked questions that may clarify the decision.

Life Insurance FAQs

• Who needs life insurance? It may come as a surprise that all people need at least some life insurance. Even if you have no dependents, a basic policy can cover your funeral care. If you have any dependents, then enough coverage to cover any bills you pay and your funeral is important. Even children need basic coverage for the unthinkable.  
• How do I choose a beneficiary? If you are married, then your spouse is an obvious choice. If you are unmarried, your parents or a trusted sibling can be left as a beneficiary to anything remaining after your death expenses. 
• When should I purchase additional insurance? As your life changes, your life insurance may need to change as well. For example, if you started a business and have employees, it is good to purchase a policy to protect your company. If you just had a baby or got married, you will likely want to upgrade your coverage and update your beneficiary. There are many situations where you will want to protect those around you in case of your demise financially. 

If you live in our around Southeast Michigan, contact us at Atlas Insurance Agency to discuss your life insurance policy options. We will be happy to answer any questions you may have. You may discover purchasing a policy is much simpler than you expected. Call today.